How Much Does Your Auto Insurance Increase After You Get a Traffic Citation?

If we are lucky, we can go through our life without every getting any type of traffic citation. Traffic citations can come from many different avenues. For example, speeding, driving under the influence, or causing a car accident can become cause for a traffic citation. However, these citations are more than just a bad mark on your driving record or a big dent in your checkbook; they also affect your car insurance rates.

You cannot help but deal with auto insurance, it is a requirement in almost every state within the U.S., and therefore, you should understand just how getting a citation can hurt your premium each month. Insurance companies analyze your driving record every so often and determine if an increase or decrease is in order. One citation may not hurt you dramatically, if at all. You may have the pleasure of dealing with an understanding company.

This will however depend upon the type of infraction that you make. Mistakes are mistakes, we are all human and we make mistakes. Big mistakes are not often forgiven quite as easily as maybe a speeding ticket for going five miles over the posted speed limit. Big mistakes might be reckless driving, driving under the influence, and mistakes that lead to an accident.

So, what elements can actually cause your insurance rates to rise dramatically? These elements usually are the above mentioned, as well as getting too many citations, multiple infractions, and serious infractions. About every year or two, the insurance company will look over your driving record and determine if anything listed on the report requires a raise in your insurance premium.

If your auto insurance is raised, the amount will depend upon the significance of the citation or seriousness, as well as the number of citations that you have received. So, just how much are we talking?

For a serious offense, you could be looking at double what you currently pay. However, for lesser offenses, the insurance company will take a look at what type of relationship you currently have with their company. For example, if you have been with one insurance company for a long time, they might be a little more lenient on you.

The exact amount that your insurance premiums are raised depends upon multiple elements; therefore, it would be impossible to tell you just how much you are looking at. The best way to think about this is to avoid speeding, drive defensively, and never get behind the wheel while under the influence of drugs or alcohol. Not only will you save money with your auto insurance, but you might just save your own life or the lives of others.

Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. You can instantly view the secrets by visiting http://www.CarInsuranceHotZone.com

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Auto Insurance - Can Someone Else Drive My Car and Still Be Covered?

I get this call about once a month from one of my Ann Arbor insurance clients:

Is it okay for someone else to drive my car?

For many people the answer to this question seems like an obvious 'yes', but it's actually a very good question because there are some hidden dangers anytime you let someone borrow your car. Even if it's only for a few hours! Did you know that the insurance company can deny coverage (i.e. not pay on a claim to fix your car) if you let someone borrow your car for longer than an extended period of time (actual days may vary by insurance company, so be sure to check) if you don't disclose the operator?

That seems pretty severe, right? Why would the insurance company do such a mean thing?

Well, I know you wouldn't be this devious, but some people actually try to scam Ann Arbor Insurance companies by insuring a car for their brother, for example, who has 3 DUI's, 4 at-fault accidents, and hasn't had his own insurance for the last 7 years. They do this to try and save money, but it has serious consequences. The moral of the story is, always tell your insurance company who will be driving your vehicle if longer than a few weeks just to be safe.

Another great question I get on this topic from my Ann Arbor insurance clients is, "Who's policy will cover the damage to my vehicle if they wreck it?" The answer is, "Your policy will have to pay for it." Another hidden danger, especially if the person borrowing your car doesn't have their own auto insurance comes into play if they were to have a bad accident in your car and were sued by another party. Your liability coverage could have to defend them and you may be putting your assets at risk.

So, while it may seem like the answer is always yes to the question, "Can someone else drive my car?", there are issues that should make you pause and ask if this is a good idea. If you're ever in doubt, call your insurance agent and discuss the details with them.

Discover the way School & University Employees are saving up to 37% on their Ann Arbor Insurance protection.

Give us a call at 734-429-2707 or visit us online http://www.EducatedInsurance.com

This article contains brief descriptions of coverage and is not intended to alter any coverage afforded in the policy. Only your policy indicates the coverage afforded to you in the case of a loss. Other terms, conditions, limitations and exclusions may apply. All coverage's described are subject to availability and qualifications. All discounts are subject to certain restrictions. Premiums shown are for illustration purposes only.

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How Much Does Your Auto Insurance Increase After You Get a Traffic Citation?

If we are lucky, we can go through our life without every getting any type of traffic citation. Traffic citations can come from many different avenues. For example, speeding, driving under the influence, or causing a car accident can become cause for a traffic citation. However, these citations are more than just a bad mark on your driving record or a big dent in your checkbook; they also affect your car insurance rates.

You cannot help but deal with auto insurance, it is a requirement in almost every state within the U.S., and therefore, you should understand just how getting a citation can hurt your premium each month. Insurance companies analyze your driving record every so often and determine if an increase or decrease is in order. One citation may not hurt you dramatically, if at all. You may have the pleasure of dealing with an understanding company.

This will however depend upon the type of infraction that you make. Mistakes are mistakes, we are all human and we make mistakes. Big mistakes are not often forgiven quite as easily as maybe a speeding ticket for going five miles over the posted speed limit. Big mistakes might be reckless driving, driving under the influence, and mistakes that lead to an accident.

So, what elements can actually cause your insurance rates to rise dramatically? These elements usually are the above mentioned, as well as getting too many citations, multiple infractions, and serious infractions. About every year or two, the insurance company will look over your driving record and determine if anything listed on the report requires a raise in your insurance premium.

If your auto insurance is raised, the amount will depend upon the significance of the citation or seriousness, as well as the number of citations that you have received. So, just how much are we talking?

For a serious offense, you could be looking at double what you currently pay. However, for lesser offenses, the insurance company will take a look at what type of relationship you currently have with their company. For example, if you have been with one insurance company for a long time, they might be a little more lenient on you.

The exact amount that your insurance premiums are raised depends upon multiple elements; therefore, it would be impossible to tell you just how much you are looking at. The best way to think about this is to avoid speeding, drive defensively, and never get behind the wheel while under the influence of drugs or alcohol. Not only will you save money with your auto insurance, but you might just save your own life or the lives of others.

Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. You can instantly view the secrets by visiting http://www.CarInsuranceHotZone.com

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How Much is SR22 Insurance?

There are a number of reasons why a person may have to get an SR22 insurance policy including too many speeding tickets, driving without insurance, excessive accumulation of points on one's driver's license, driving under the influence, and various other reasons.

Sooner or later the people that are required to have an SR22 filing with their local DMV before their license will be reinstated start hearing from friends, family, and doing some research on their own that their insurance is going to be a lot more expensive than their insurance policy was before. The question is how much more expensive?

The average cost of an SR22 insurance policy is going to depend on the reason why your license was suspended or revoke for in the first place. If you are a DUI offender who has to get an SR22 to get your license back, the cost is going to depend on a number of factors including:

• Was this a first, second, third, or more offense?


• Was there an accident?


• Did the accident result in injuries to any other person?

These are just a couple of examples of the items your insurance company is going to look at when quoting you a price on your SR22 insurance for a DUI offense. A standard first offense DUI offender should expect to pay between 3 and 5 times as much per month for their high-risk auto insurance as they were paying on their regular auto insurance rates. So if you were paying $50 a month for your car insurance before the DUI offense, you should expect to pay between $150 and $250 a month for the next 3-years following the reinstatement of your license following your suspension or revocation period.

If the DMV is requiring you to file an SR22 with them for something like too many speeding tickets. Even though your offense of too many speeding tickets is not as severe as someone who has to file an SR22 because of a DUI offense, the required filing period is still going to be 3-years. So your relationship with your SR22 insurance is going to be for an extend period of time. Your SR22 insurance rates for something like too many speeding tickets will be lower than the rates for a DUI offense, but they will be at least 1 to 2 times or more than you are currently paying for your car insurance.

There are steps you can take to be sure that you are paying the least amount possible per month for your insurance. The first thing you need to do is to not assume that your current insurance provider is going to have the lowest rates possible for your SR22. Just because you may have been with this insurance company for years and they have always treated you fairly does not mean that will be the case when it comes to quoting you on an SR22 insurance policy, if they even offer SR22 insurance filings because not every insurance company does.

What you need to do is spend a little time researching your state DMV SR22 insurance filing requirements. Then get at least 3 to 5 quotes from the various insurance providers in your area that offer SR22 insurance filings then all you have to do is choose the policy with the lowest price, it's that simple.

Each state has its own laws regarding SR22 insurance filing requirements, so it's critical that you learn what must be done to file an SR22 in your state. For example, someone who is required to file SR22 insurance in Florida will have to follow a different set of rules then someone who is filing in Virginia.

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